Is Marcus by Goldman Sachs available in the United States?
Marcus by Goldman Sachs is available to residents of the United States — here's how New York readers can open an account and what to check first.
*Affiliate disclosure: We may earn a commission if you open an account via our link, at no extra cost to you.
Quick Facts
Using Marcus by Goldman Sachs in New York, the United States
Marcus by Goldman Sachs is a US online savings brand (Goldman Sachs Bank USA, Member FDIC) available only to US residents.
To open an account from the United States you will typically need US residency, a US Social Security Number and a US address. Eligibility, supported documents, fees and available products can change, so confirm the current requirements on Marcus by Goldman Sachs's official site before you apply.
Digital Bank Networks earns a commission if you open an account through our link, at no extra cost to you. Our rating reflects the global product; always verify country-specific terms directly with Marcus by Goldman Sachs.
Is Marcus by Goldman Sachs available in the United States?
Yes. Marcus by Goldman Sachs operates in the United States as of 2026. Marcus by Goldman Sachs is a US online savings brand (Goldman Sachs Bank USA, Member FDIC) available only to US residents. Confirm the latest eligibility and pricing on Marcus by Goldman Sachs's official website before applying.
What is Marcus by Goldman Sachs?
Marcus by Goldman Sachs launched in 2016 as the consumer arm of Wall Street giant Goldman Sachs, and it has become one of the most trusted names in US online savings. The High-Yield Online Savings Account pays a variable APY that consistently competes at the top of the market, with no monthly fees, no minimum deposit and no minimum balance — you can open an account with as little as $1. Marcus also offers No-Penalty CDs (withdraw early without forfeiting interest, after a short initial wait) and fixed-rate CDs, and it lets you link external bank accounts for easy transfers. One trade-off to know: Marcus caps daily outbound transfers, so moving very large sums to another bank takes a few days of planning. Deposits are FDIC-insured.
Key Features of Marcus by Goldman Sachs
High-yield online savings
A variable APY that consistently ranks among the best US online savings rates — check the current rate at Marcus.
No-penalty CDs
Lock a fixed rate and withdraw after the first week without an early-withdrawal penalty.
No fees or minimums
No monthly fees, no minimum deposit and no minimum balance requirements.
External account linking
Link any US bank account for straightforward transfers in and out.
Automated savings tools
Set recurring transfers and named sub-goals within your savings dashboard.
Marcus by Goldman Sachs Pros & Cons
Advantages
- Backed by Goldman Sachs, a leading global financial institution
- Consistently competitive variable APY on savings
- No monthly fees, no minimum deposit and no minimum balance
- No-penalty CD option provides flexibility with a fixed rate
- Clean, simple app focused on saving rather than spending
Disadvantages
- No checking account or debit card — savings only, no everyday spending
- Daily outbound transfer limit can slow very large withdrawals
- APY is variable and can fall when market rates fall
Who is Marcus by Goldman Sachs Best For?
Ready to get started with Marcus by Goldman Sachs?Confirm eligibility for New York with the provider
Open your account today and take advantage of everything Marcus by Goldman Sachs has to offer.
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Frequently Asked Questions About Marcus by Goldman Sachsin New York
Is Marcus by Goldman Sachs safe?
Marcus by Goldman Sachs is a regulated financial services provider. Digital Bank Networks only features regulated, vetted affiliates. Always review the provider's terms, fees, and regulatory status before transferring funds. CFD and forex trading carries risk — please read all risk disclosures before trading.
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